Benefit
Benefit entitlement
Maximum cover
AIA Private Health Cover and AIA Private Health Plus
Covers the cost up to the maximum cover for this benefit of the following diagnostic tests and imaging at an approved facility when referred by a specialist irrespective of whether surgery occurs:
Angiogram
Arthroscopy
Capsule endoscopy
Colonoscopy
CT scans
Cystoscopy
MAJOR DIAGNOSTIC IMAGING AND TESTS
$200,000 per life assured per policy year
Gastroscopy
Hysteroscopy
Laparoscopy
MRI scans
Myelogram
Myocardial perfusion imaging
PET/CT
Scintigraphy
The excess applies to any claims under this benefit.
Covers the cost of home nursing care up to the maximum cover for this benefit where the care is provided by a registered nurse following a surgical or medical procedure covered by this policy, and such care is recommended by a specialist or registered medical practitioner.
$300 per day, up to $5,000 per life assured per policy year
HOME NURSING
No excess is payable for any claims under this benefit.
Upon the death of a policy owner (where the death is not caused by something excluded under this policy), AIA will provide cover under this policy for the surviving lives assured covered by the policy at the time of death, free of charge for a period of two years.
WAIVER OF PREMIUM ON DEATH
Two year’s free cover
No excess is payable for any claims under this benefit.
If a life assured dies between the ages of 21 and 70 (inclusive), the bereavement grant will be paid to the policy owner or to the policy owner’s estate.
BEREAVEMENT GRANT
$3,500 per life assured per lifetime
No excess is payable for any claims under this benefit.
AIA will pay a maximum of one claim per child under the Parents Grieving Benefit across all AIA policies if:
> a child of a life assured dies prior to birth but after at least 24 weeks gestation; or
PARENTS GRIEVING BENEFIT
>
a child of a life assured dies.
$2,000 per child
AIA will not make any payment if the death occurs within 12 months of the risk commencement date except where it is an accidental death .
This Parents Grieving Benefit ceases on the child’s 21 st birthday.
No excess is payable for any claims under this benefit.
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1300 APH-UMB version 7 Effective 12 May 2026
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